My home and my other vehicles are all covered by a million dollar policy. The company doesn't insure motorcycles or I would add my RE.
As it was explained to me by my late father-in-law who was a CLU (comparable with a Doctorate in Insurance), if you carry low value policies, the insurance companies don't get interested in defending you if you need it.
If you have a million dollar policy and your being charged with being negligent, they get real interested in your troubles, real fast.